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Chapter 7 Bankruptcy, also known as “fresh start” bankruptcy, allows your debts to be discharged (or canceled). In exchange, you may be required to give some non-exempt property to the bankruptcy Trustee to pay your creditors. Your tax return and earned income credits are non-exempt property. If you do not spend your tax refund before filing […]
You’ve just gotten your first call from a debt collector. The experience may have left you confused and upset. Here are a few things you should do when a debt collector contacts you: 1. Know your rights. Collection agencies are restricted in how they can collect a debt from you by the Fair Debt Collection […]
Many immigrants have debt from businesses, credit cards, medical bills and mortgages—undocumented workers can file bankruptcy and eliminate these debts. You do not need a Social Security card to file bankruptcy, but must have an ITIN (Individual Taxpayer Identification Number). This is the number you get when you pay your taxes to the US Government. […]
